Call the Title Insurance holder. The Title Insurance policy covers everything on the Title Report, which most likely spans the life of the home. Hence the information on your sister's report.
Ask them to send you a current Title Report which will show all the insurance covers.
We hope this helps,
Mark & Kari Shea
Shea Real Estate
Home Sales Specialists; New and Resale Homes
Property Valuation Specialists
Land Sales, Acquisitions & Consulting
Serving Greater San Diego